Central Bank of India announced its Q2 FY26 results, reporting a net profit of ₹1212.88 million. The board has declared an interim dividend of 2% (₹0.20 per share) for the fiscal year 2025-26. The bank’s gross non-performing assets stand at 3.01%. Key ratios like Capital Adequacy Ratio and CET 1 Ratio remain strong at 17.34% and 14.98%, respectively. Emphasis was placed on deferred tax assets and changes in depreciation methods in the auditor’s report.
Financial Performance Highlights
Central Bank of India announced its unaudited standalone financial results for Q2 FY26, showcasing the following key figures:
- Net Profit: ₹1212.88 million
- Total Income: ₹10249.73 million
- Operating Profit: ₹1785.62 million
Dividend Declaration
The Board of Directors has declared an interim dividend of 2%, which translates to ₹0.20 per equity share. This dividend is for FY 2025-26, with each share having a face value of ₹10.
Asset Quality and Key Ratios
The bank’s asset quality and key financial ratios are as follows:
- Gross Non-Performing Assets (as a percentage): 3.01%
- Net Non-Performing Assets (as a percentage): 0.48%
- Capital Adequacy Ratio (Basel III): 17.34%
- CET 1 Ratio: 14.98%
Emphasis of Matter
The auditor’s report draws attention to the following:
- Deferred Tax: Recognition of Net Deferred Tax Assets of ₹21812.1 million.
- Change in Depreciation Method: A change from Written Down Value to Straight-Line Method resulted in increased depreciation and a ₹263.7 million decrease in net profit.
Segment Reporting
Key figures from segment reporting include:
- Treasury Operations Revenue: ₹7069.45 million
- Retail Banking Operations Revenue: ₹8957.23 million
- Wholesale Banking Operations Revenue: ₹4534.72 million
Other Updates
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The bank has also provided a Certificate of Security Cover, declaring its assets adequately cover its liabilities.
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The bank confirms full provision against outstanding fraud as of September 30, 2025.
Source: BSE